Best Car Insurance for Drivers With
Bad Credit in Arkansas

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Bad Credit Car Insurance in Arkansas

Having bad credit can limit your ability to borrow money. It also helps determine how much you pay for car insurance. There are a few states that prohibit car insurance companies from taking a driver's credit history into account when determining rates, but Arkansas is not one of them. Drivers with bad credit in Arkansas can expect a credit check when they attempt to get car insurance. A poor credit score won't prevent you from getting coverage, but it may force you to pay more for it.

Arkansas Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$188
Excellent
$210
Good
$211
Average
$229
Poor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Arkansas?

Drivers with bad credit pay a little less than three percent more on car insurance than average in Arkansas. Insurers will look at factors such as your total debt and payment history to determine your insurance credit score and your risk level, according to the Insurance Information Institute. Car insurance companies do this to calculate the chances that you will file a future claim. Your insurance credit score is just a portion of what determines your car insurance rate. Your driving record and claims history also factor into how much you pay.

Although drivers with bad credit in Arkansas don't pay that much more for car insurance, it's still worth maintaining good credit to keep your costs low.

$200
Avg. Monthly Cost - for Drivers with Good Credit
$205
Avg. Monthly Cost - for Drivers with Bad Credit
$5 Monthly Impact of Bad Credit on Rates
2.50% Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Arkansas?

There are car insurance companies that won't check your credit as you try to get coverage. It's not always the best idea to buy a policy from one of these companies, however. The trade-off for not going through a credit check is you may end up paying more for your car insurance than you would with a standard car insurance company. It might be worth it to go through the credit check if it means paying less for your car insurance.

Whether you wind up with a policy with or without a credit check, get quotes from multiple companies to help you find the best price.

Best Car Insurance Companies for Bad Credit in Arkansas

You should have no trouble finding car insurance in Arkansas, even if you have bad credit. There are a number of companies willing to insure drivers with low credit scores. Some even offer average monthly rates below $200. Direct Auto ($145 per month on average) and Dairyland Insurance ($155) are two of the least expensive car insurance companies for people with bad car insurance in Arkansas.

CarrierAvg. Monthly Cost
Direct Auto$145
Dairyland Insurance$155
Jupiter Auto$167
Safeco Insurance$177
Hallmark Insurance Company$190
Nationwide$200
Liberty Mutual$213
American Family Insurance$221
Midvale Home & Auto$229
The General$244

Arkansas Car Insurance Rates by Credit Tier

Drivers with excellent credit pay the least per month for car insurance in Arkansas, as expected. What's more surprising is just $1 separates the average monthly car insurance cost for Arkansas drivers with good and average credit.

Credit TierAvg. Monthly Cost
Excellent$188
Good$210
Average$211
Poor$229

Car Insurance Rates With Bad Credit in Arkansas Cities

Arkansas drivers with bad credit will find that car insurance isn't inexpensive, regardless of where they live. Fort Smith has one of the lowest average monthly insurance rates at $157. Jonesboro's average monthly insurance rate for drivers with poor credit is a little less than $200, and rates go up from there.

CityCredit TierAvg. Monthly Cost
Little RockPoor$243
Hot Springs National ParkPoor$210
Fort SmithPoor$158
JonesboroPoor$194
North Little RockPoor$234
BentonPoor$232

Tips for Researching Bad Credit Arkansas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Arkansas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.